What type of agents represent multiple insurance carriers in the insurance industry?

Independent agents are professionals who represent multiple insurance carriers within the insurance industry. This allows them to provide a variety of insurance products to their clients, giving consumers more choices and the ability to compare different policies and pricing from various insurers. Independent agents can assess the needs of their clients and tailor their recommendations from a wider range of options, unlike captive agents, who only represent a single insurance company. This flexibility often leads to better coverage solutions for consumers, since independent agents can select the most suitable products from several carriers.

The distinguishing feature of independent agents is their ability to maintain relationships with multiple insurance providers, making them a valuable resource for personalized insurance advice. This capability sets them apart in the market and aligns their interests with finding the best solutions for their clients. Other types of agents, such as captive agents, are limited to selling the products of one specific insurer, which restricts their ability to offer diverse options.